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Dec 31, 2025
Fifth Third Q4 2025 Earnings Report
Fifth Third reported solid Q4 2025 earnings supported by record net interest income and improved credit performance.
Key Takeaways
Fifth Third Bancorp delivered strong Q4 2025 results with $699 million in net income and diluted EPS of $1.04. Revenue reached $2.15 billion, driven by growth across core banking segments and improved credit trends.
Net interest income hit a record $1.53 billion during the quarter.
CET1 capital ratio improved 20 bps sequentially to 10.77%.
Nonperforming asset ratio declined to 0.65%.
Consumer household growth reached 2.5%, led by Southeast expansion.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Fifth Third expects to sustain strong profitability through 2026, supported by operational discipline, growth in key markets, and the Comerica acquisition.
Positive Outlook
- Comerica acquisition closing expected on February 1, 2026
- Record net interest income driven by disciplined funding management
- Adjusted efficiency ratio improved 50 bps YoY
- Consumer household growth driven by Southeast branch expansion
- Tangible book value per share grew 21% YoY
Challenges Ahead
- EPS impacted by $0.04 in one-time items including litigation and merger costs
- Continued pressure on asset yields from floating rate loan repricing
- Securities portfolio balances declined 4% sequentially
- Consumer net charge-offs increased sequentially due to seasonality
Historical Earnings Impact
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Avg. Return Before/After Earnings
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